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California Dream For All Shared Appreciation Loan Program

CalHFA is offering 20% DOWN PAYMENT ASSISTANCE for a limited time!


CalHFA Dream For All Program

A revolving, shared appreciation loan program that provides loans for a down payment. Upon sale or transfer of the home, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home.

Program Highlights

20% "Silent" 2nd mortgage (no payments) for up to 20% of the purchase price or appraisal.
Homebuyer does NOT make payments on the 2nd loan until the property is sold, refinanced, or transferred.
No mortgage insurance payments.
Cannot have owned a home in the last 3 years.
Can use funds to cover closing costs.
Down Payment Funds for this special program are limited and available on a first come first serve basis! APPLY TODAY!

Simple Example
— Dream for All fund provides a loan for 20% of the home purchase price.
— The homeowner pays back the original loan amount plus 20% of any appreciation in the value of the home.


Speak with one of our CalHFA lending specialists to learn more or to get qualified!

Learn more about the California Dream for All program

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